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Del Mar attracts serious international buyers. Coastal access, top schools, and proximity to San Diego make it a target market for foreign nationals.
These loans are non-QM — meaning they fall outside standard Fannie Mae and Freddie Mac guidelines. Not every lender offers them.
30–40%
Min Down Payment
12–24 months
Reserves Required
Not required
US Credit Required
45–60 days
Est. Close Time
Non-QM / Portfolio
Loan Type
Foreign National Loans in Del Mar
You do not need a US credit history or Social Security number. Lenders use foreign credit reports, bank references, or asset verification instead.
Most programs require 30–40% down. Reserves of 12–24 months are standard. The stronger your asset picture, the better your options.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Del Mar.
Del Mar attracts serious international buyers. Coastal access, top schools, and proximity to San Diego make it a target market for foreign nationals.
These loans are non-QM — meaning they fall outside standard Fannie Mae and Freddie Mac guidelines. Not every lender offers them.
You do not need a US credit history or Social Security number. Lenders use foreign credit reports, bank references, or asset verification instead.
Retail banks rarely touch foreign national loans. Portfolio lenders and private institutions set their own rules — and those rules vary widely.
At SRK CAPITAL, we shop across 200+ wholesale lenders to find who's actively pricing these loans. That access makes a real difference on rate and terms.
The biggest mistake foreign national buyers make is waiting too long to start the paperwork. Document gathering takes weeks when records are overseas.
Some lenders require a US bank account before closing. Open one early. It also helps establish a domestic financial footprint for the file.
If you have a US Individual Taxpayer Identification Number, an ITIN loan may offer better terms. ITIN programs are more widely available than full foreign national products.
DSCR loans are another path if the Del Mar property will generate rental income. The property's cash flow — not your personal income — drives approval.
Del Mar price points push most purchases well into jumbo territory. Foreign national jumbo loans exist, but the reserve and down payment requirements are steeper.
California has no restrictions on foreign nationals owning property. Title and escrow in Del Mar routinely handle international transactions.
Yes. Foreign national programs use foreign credit references or bank letters instead. No US credit history is required.
Eligibility depends on the lender. B-1, B-2, and other visitor visas can qualify. Some lenders also lend to buyers with no US visa at all.
Plan for at least 30–40% down. Del Mar's high price points mean jumbo foreign national loans often require more reserves too.
Some lenders allow entity purchases. Documentation requirements are more complex and lender options narrow significantly.
Expect 45–60 days minimum. Gathering overseas documents and satisfying lender conditions takes longer than a standard deal.
Not always to qualify, but many lenders require one before funding. Opening an account early also strengthens the overall file.